3/01/2017

How to Deal With Immigration

ICE 
Immigration 
How to Deal With Deportation


YOUR RIGHTS
·      You have the right to remain silent. If you wish to exercise that right, say so out loud.
·      You have the right to refuse to consent to a search of yourself, your car or your home.
·      If you are not under arrest, you have the right to calmly leave.
·      You have the right to a lawyer if you are arrested. .
·      Regardless of your immigration or citizenship status, you have constitutional rights.  Exercise those rights.
Cuáles son tus derechos
•       Usted tiene derecho a permanecer en silencio. Si desea ejercer ese derecho, dígalo en voz alta.
“I Want to remain silent.”
• Usted tiene el derecho de negarse a dar su consentimiento a una búsqueda de usted mismo, su automóvil o su hogar.
“I do not consent to a search.”
• Si no está bajo arresto, tiene el derecho de salir tranquilamente.
“Am I under arrest?”
• Tiene derecho a un abogado si es arrestado.
“I want to call a lawyer”
• Independientemente de su estado de inmigración o ciudadanía, usted tiene derechos constitucionales. Ejercer esos derechos.
·      .
·      YOUR RESPONSIBILITIES
·         Stay calm and be polite.
·         Don’t interfere with or obstruct the police.
·         Don’t lie or give false documents.
·         Be prepared in case you are arrested.
·         Remember the details of the encounter.
·        
• Mantenga la calma y sea educado. • No interfiera ni obstruya a la policía. • No mienta ni da documentos falsos. • Esté preparado en caso de que sea arrestado. • Recuerde los detalles del encuentro
IF YOU ARE STOPPED FOR QUESTIONING
·      Remain calm.  Don’t run, argue, resist or obstruct the police, even if you are innocent or police are violating your rights.
·      Keep your hands where police can see them.
·      Ask if you can leave.  If the officer says yes, calmly and silently walk away. If you are under arrest, you have a right to know why.  Don’t be afraid to ask why you are under arrest.
·      Like every American, you have the right to remain silent and cannot be punished for refusing to answer questions.  If you do not wish to speak to the officer, simply tell the officer that you want to remain silent.
·      You can refuse an officer’s request to search your body or your belongings.  Police are permitted to: ”pat down” your clothing if they suspect a weapon. You should not physically resist, but you have the right to refuse consent for any further search. If you do consent, it can affect you later in court.
·         Puede rechazar la solicitud de un oficial para registrar su cuerpo o sus pertenencias. A la policía se le permite "tapar" su ropa si sospecha que tiene un arma. No debes resistir físicamente, pero tienes el derecho de rechazar el consentimiento para cualquier otra búsqueda. Si usted da su consentimiento, puede afectarle más tarde en la corte.
·       
IF YOU ARE STOPPED IN YOUR CAR
·      Stop the car in a safe place as quickly as possible.
·      Turn off the car, turn on the internal light, open the window part way and place your hands on the wheel.
·      Upon request, show police your driver’s license, registration and proof of insurance.
·      If an officer or immigration agent asks to look inside your car, you can refuse to consent to the search. But if police believe your car contains evidence of a crime, your car can be searched without your consent.
·      The driver and all passengers have the right to remain silent. If you are a passenger, you can ask if you are free to leave. If the officer says yes, sit silently or calmly leave. Even if the officer says no, you have the right to remain silent.
IF QUESTIONED ABOUT YOUR IMMIGRATION STATUS
·      You have the right to remain silent.  You need not talk about your immigration or citizenship status with police, immigration agents or any other officials. You do not have to answer questions about where you were born, whether you are a U.S. citizen, or how you entered the country.  Just stay quiet, as you talking could hurt your chances at potential immigration relief in the future.
·      If you are not a U.S. citizen and an immigration agent requests your immigration papers, you must show them if you have them with you.  If you are over 18, carry your immigration documents with you at all times. If you do not have immigration papers, say you want to remain silent.
·      Do not lie about your citizenship status or provide fake documents.  If you claim that you are a United States Citizen and you are not, you can face serious criminal issues.  Also, it is better to remain silent, than to provide fake documents.
·      .
IF POLICE OR IMMIGRATION AGENTS COME TO YOUR HOME
·      If immigration agents come to your home, you can refuse them entry, unless they have a warrant.
·      Ask the officer to slip the warrant under the door or hold it up to the window so you can inspect it.  A search warrant allows police to enter the address listed on the warrant, but officers can only search the areas and for the items listed. An arrest warrant allows police to enter the home of the person listed on the warrant if they believe the person is inside. A warrant of removal/deportation (ICE warrant) does not allow officers to enter a home without consent.
·      Even if officers have a warrant, you have the right to remain silent. If you choose to speak to the officers, step outside and lock the door. Do not allow them to talk you into anything.
·     
• Si la policía o los agentes de inmigración llegan a su casa, usted puede rechazar su entrada, a menos que tengan una orden judicial. • Pídale al oficial que mete la orden bajo la puerta o que la sostenga hasta la ventana para que pueda inspeccionarla. Sí, usted puede hacer esto. Porque tienes derechos. Una orden de allanamiento permite a la policía entrar en la dirección indicada en la orden, pero los oficiales sólo pueden buscar las áreas y los artículos enumerados. Una orden de arresto permite a la policía entrar en el hogar de la persona que aparece en la orden si cree que la persona está dentro. Una orden de remoción / deportación (orden judicial ICE) no permite a los agentes entrar en una casa sin consentimiento. • Incluso si los oficiales tienen una orden judicial, usted tiene el derecho de guardar silencio. Si decide hablar con los oficiales, salga y cierre la puerta
IF YOU ARE CONTACTED BY THE FBI
·      If an FBI agent comes to your home or workplace, you do not have to answer any questions. 
·      If you are asked to meet with FBI agents for an interview, you have the right to say you do not want to be interviewed.  If you agree to an interview, do not go alone. 
·      You do not have to answer questions you feel uncomfortable answering
·      WHAT TO DO IF YOU ARE ARRESTED
·      Do not resist arrest.
·      Remain silent
·      Tell the officer that you wish to remain silent, say this more than once. Officers often have video – speak calm and clear
·      Do not give explanations
·      Do not sign anything or make decisions without your lawyer.
·      You have the right to make a local phone call.  The police cannot listen if you call Memorize your spouse’s number tell them the officer’s names and your exact location
·      Prepare yourself and your family in case you are arrested. Have back up person to care for young children or pick them up from school. Memorize the phone numbers of your family members
·      WHAT TO DO IF YOU ARE TAKEN INTO IMMIGRATION (OR “ICE”) CUSTODY
·      You have the right to a lawyer.  Tell ICE that you want to call your lawyer You have the right to contact your consulate or have an officer inform the consulate of your arrest.
·      Tell the ICE agent you wish to remain silent. Do not discuss your immigration status with anyone don’t share information with others arrested. Remain calm quiet and pray
·      Refuse to sign any documents, such as a voluntary departure or stipulated removal, Request and remember your immigration number (“A” number) Signing this is a big mistake and may keep you from legally returning for 10 years

 “Notice to Appear” in Immigration Court or if you have been given an “Immigration Hold” while in custody, you need to contact a lawyer as soon as possible. Experienced lawyers know various ways of defending you against deportation. Some of these ways are described here:
1.    Asylum, Withholding and CAT: If you fear that you are in danger in your home country, you may qualify for relief from removal based on asylum or other related grounds.
2.    Cancellation of Removal (for LPRs): If you have a green card but have committed a crime or otherwise have been placed into removal proceedings, find a lawyer immediately. You may qualify for Cancellation of Removal. The criteria are difficult to meet, but they include the following three basic requirements: (1) living in the US for 7 years since being legally admitted; (2) living for 5 years with permanent residence (green card) before committing a crime or getting into removal proceedings; and (3) never having been convicted of an “aggravated felony” for immigration purposes.
3.    Cancellation of Removal (for Non-LPRs): If you don’t have a green card or are undocumented, the law provides one way to avoid deportation, but it applies only in the rarest of instances. Among other requirements, the applicant must show that she has lived in the US for 10 years and that her deportation would cause “exceptional and extremely unusual hardship” to the her spouse, child, or parent who is a United States Citizen or permanent resident. Never apply for this without speaking to an experienced immigration attorney.
4.    U-Visas: It is important to remember that you can sometimes avoid deportation if you are legally eligible for a visa. One visa that commonly comes up in removal proceedings is the U-visa. The U-visa is specifically for people who (1) have been the victim of certain serious crimes, (2) have suffered serious and ongoing harm as a result, (3) have reported the crimes to the police, and (4) have cooperated in bringing the perpetrator to justice. Talk to a lawyer to see if you can attempt to apply for a U-visa. Remember that an important prerequisite to applying for a U-visa is cooperating with the police and the prosecution; it will be essential that they certify that you have been cooperative before you can obtain this visa.
5.    Adjustment of Status: If you are married to a US citizen or permanent resident, or if a family member has filed a petition for you, you might be eligible to apply for a green card directly. Depending on how you entered the United States, you might need to go back to your home country to process the green card, but if not, you might be eligible to “adjust your status” to permanent residence here in the United States.
6.    Voluntary Departure: If you have no other viable option or if you would rather just be deported, you or an attorney can apply for you to leave voluntarily at your own expense. The judge will only grant this if you can show that you have enough money to buy your own passage, if you have a valid travel document, and if you can convince the judge that you will not stay beyond the set date of departure..
7.    Prosecutorial Discretion: If you have no other viable option you can apply for “prosecutorial discretion.” In the summer of 2011, the Department of Homeland Security released a few memos discussing the ability for ICE attorneys to grant immigrants “prosecutorial discretion” in very strong cases and to avoid deportation even when there is already a deportation order. It is very difficult to win this form of immigration relief..
8.    Motions to Suppress: If you have been targeted by ICE in a way that egregiously violated your constitutional rights you may be able to suppress the whole proceeding. Proving this requires evidence, pictures, written word, witnesses etc  Motions to Suppress are not commmon in immigration court; however, in certain situations they can work in removal proceedings as well.
9.    Others: There are also 212(h) waivers, 212(c) waivers and other legal statutes which allow people in certain situations to prevent or avoid deportation.
10.                      1. Apply for political asylum: In recent years asylum grants have jumped to over 50% Must demonstrate profound fear of persecution based on race, religion, nationality, political opinion or social group must be shown. Country of origin may or may not make sense
11.                      2. Waivers of removal: The most common ways to stop deportation include the old 212(c) pardon for green card holders with certain crimes who can show that their good deeds outweigh their bad acts.   212(c) was replaced by Cancellation of Removal for Certain Permanent Residents but the balancing test is the same.
12.                      3. Prosecutorial Discretion: A memo issued in recent years directs The Department of Homeland Security to stop deportation for humanitarian reasons.  This guidance is nothing new as prosecutorial discretion has been around for decades.  Many are disappointed that more immigrants have not received this protection, but a strong application may stop deportation.
13.                      4. Cancellation of Removal for non permanent residents: Unlike the waiver noted above, this application to stop deportation is for people who ask an Immigration Judge to give them a green card upon proving ten years in the United States, good moral character plus exceptional and unusual hardship to certain American family members, typically children.
14.                      5.  U Visa: This application is for immigrant victims of violent crimes and is used to deter criminals from preying on the undocumented. Along with the T visa for victims of human trafficking, the U benefits foreigners who cooperate with law enforcement agencies.  Not only will it stop deportation but it will result in a green card, eventually.
15.                      6. I-601 waivers for immigrants charged with fraud, unlawful presence or crime: The immigrant generally must have no drug offenses, and also needs to prove extreme hardship to a qualifying relative, frequently a United States citizen, but in some cases a green card holder.  Seven years of living in America is required as well in most but not all 601 cases.
16.                      7. Voluntary Departure:  When all else fails, promising to buy a ticket to leave still beats removal.  Stops deportation still results in leaving the country but makes a lawful re-entry easier.
17.                      The Catholic Church has resources to help you BEFORE you get to these crossroads. Ask for help. Get advice. Have a plan for your family


2/22/2017

AMAZON Coupon one day only Sale


AMAZON FIRE SALE
ONE DAY ONLY
18% Discount coupon code off TODAY ONLY
Amazon spend $50 save $8.62
Order something you hesitated to spend on but need
I'm ordering mosquito nets for our beds because
the rainfall in Southern California has been unusual
and I can hear the frogs in the rising creek, and something
yummy gourmet treat for my son away in college.

Use code BIGTHANKS today only 2/27/217

This is not one of those websites where you have to 
get the real information and click through 
ten messages and a landing page

C G Barbeau


2/17/2017

GRANTS to BUY a HOME











Header1

GSFA Lender Bulletin   |   Program Bulletin #17-0217   |   February 17, 2017

GSFA Platinum & MCC Lenders,
Here's another opportunity to learn about the advantages of conventional loans under the GSFA Platinum down payment assistance program...

woman with megaphone

Freddie Mac HFA Advantage Program
- Lender Training Webinar


Training will include a program overview along with a question and answer session with representatives from Freddie Mac. Please pre-register as space is limited. A confirmation email will be sent to you with the webinar details upon completion of your registration.

What is Freddie Mac HFA Advantage?

Freddie Mac HFA Advantage mortgage offers outstanding flexibility for maximum financing. This offering adopts the responsible and affordable flexibilities and requirements of Freddie Mac Home Possible Advantage but with added flexibilities for Housing Finance Agencies (HFAs). Call C G at (949) 784-9699 for  terms and conditions 
NMLS 324982

***REMINDER - MCC Promotion Ends March 31st***
$250 OFF Application Fee

 

House

For any GSFA MCC[links.govdelivery.com] reservation made through March 31, 2017, GSFA has lowered the Application Fee from $350 to $100. That's a $250 savings to borrowers!

The federal income tax advantage provided by the GSFA MCC is equal to 20% of the mortgage interest paid annually. This means that 20% of the annual mortgage interest paid is deducted directly from annual tax debt. The remaining 80% of the mortgage interest can still qualify to be taken as a deduction from gross income in the usual manner. 

The approval of an MCC, may also help the homebuyer to qualify for the mortgage loan itself. To learn more, visit visit our website and/or register to attend a Training & Education[links.govdelivery.com] webinar.
Additional Resources:


T

2/12/2017

Ortega Highway Opens!

I live off the Ortega a mile from the closure. Residents who live
here on the Orange County side of the Highway usually have a seven minute
ride to town. Thousands of commuters from Riverside use the Highway to
get to family, work, schools, church or just to get groceries and fuel.
The road has been closed three weeks. It takes me two and a half hours one
way to work. Thank heavens I've been able to have my daughter stay with
family to avoid the worry of her driving five hours a day. The commute is
brutal.

My heart goes out to businesses who rely on transportation. 
The Tree of Life Nursery, The Candy Store and Hell's Kitchen 
to name a few suffer.
The good news is sources say (Chumo construction) it will reopen 
Thursday the 16th of February, 
while Cal Trans reports to open the 21st.
CalTrans was not on top of the repairs. 
They sent the one engineering camera to Sinkhole Steve.
The press mistakenly called it a sink hole- really they call it a slip out.
The dirt under the road was pushed by creek flow into the river below. 
Speculation: Rancho Mission Viejo graded the road above to allow the sway
to flow towards the highway. Rancho Mission Viejo wants to develop this
way and shut down all available dirt roads that pass through. Are they worried
about the kit fox and her den near Christianitos Road? Or yellow frogs who
are endangered that reside up here? I don't know. 

Positive things I notice from the road closure:
It is amazing wonderland up here.
The hillsides are chartreuse green, wildflowers blooming and no road 
traffic on weekends or fatal motorcycle accidents. Three waterfalls are
pouring out clean water. There's a spring that appeared where I live.

When it opens come on up and go hike. Bring peanuts for the blue jays. I have about twenty here,
not normal I think they are missing hikers who leave them a little treat. Buy a sandwich and some home made cookies at the Candy Shop, and stop and pickup native plants for the next day at Tree of Life Nursery.  Come enjoy a piece of heaven!
Photos taken Sunday at 11 AM



2/10/2017

5% Down Jumbo NO MI

The above photograph is of an epi in my organic garden.
Confused by the rain and intermittent sunny days at the ranch
it threw off this bloom the size of a basketball.
Happy sign Spring is early!











Estimated mortgage rates for the weekend

Conforming;

15 year fixed 3.250%
30 year fixed 4.125%
7/1 ARM         3.625%

FHA / VA;

15 year fixed 3.250%
30 year fixed 3.875%
5/1 ARM         3.500%

Jumbo

15 year fixed 4.125%
30 year fixed 4.500%
7/1 ARM          3.875%

The above rates based on 760 credit, 60% LTV. Rates subject to change until locked.
Rates change a couple times a day. Terms and conditions apply. This is not a commitment to lend

Get your clients pre-approved over the weekend, text or call   Have a great weekend! C G Caroline Gerardo Barbeau  
(949) 784-9699

apply now it's free https://carolinegerardo.eaglehm.com/
NMLS 324982






2/03/2017

Trump Dumping Dodd Frank

 Trump to dump Dodd Frank
Yippee Kah yeh
Hell froze over
But what will the new regulations be?
No new plan, yet.
Privatize Fannie and Freddie- 
 put them together and forget receivership.
I cannot say what the legal argument to
repeal Volker and Dood Frank will be...
national security?
Since they are laws... stay tuned. 


1/18/2017

Trump May Hold Your Closing Hostage

Did you Lock in an FHA loan with lower MI?

FHA LOAN in 
the hopper?
You may get STUCK 



Inauguration and new Administration May Stall YOUR FHA loan 
closing BEWARE!  Oh no !  
This could be unwound before it starts. If the President retracts the MI reduction right after the 20th we will have stuck borrowers.  
As we know, President elect Trump may have different ideas on how HUD should work and is creating much uncertainty.  If you locked, re-disclosure with higher numbers may be impossible. Is this a legal change of circumstance?  Lender would have to pay the increase for life of
loan.  The current laws, lovely Dodd Frank, require Loan Estimate to be exact and
Closing Disclosure can't go up, only down. If Trump cancels the reduction in MI,
he may hold your transaction hostage until Mnuchin figures out the granular nitty 
gritty grass.

Stay tuned borrowers, 
the corresponding articles now surrounding this topic. It makes having tough conversations on the 26th easier should this occur.  My advice to mortgage lenders is do not disclose the lower MI, don't write this product until we find out what the new
boss will do.


Based on recent testimony and political pushback, we believe there is a strong chance the most recent MIP reduction (as published in HUD Mortgagee Letter 2017-01[MBA.informz.net]) may be one of the rollback actions[MBA.informz.net] taken soon after President Trump takes office. This change will likely be effective immediately, and could create significant operational challenges for lenders and their customers. Given this information,  consider the contingency steps that would be necessary to unwind any changes that have already been made to adjust for the reduced MIP rates if this reversal is implemented.

California County Recorder Holidays Closed Dates


Holiday Observances Closed County Recorder
Real Estate Transactions Can't Record on these
Dates in 2017:
January 2nd, New Years Day Observed
January 16th, Martin L. King Jr.
February 13th, Lincoln's Birthday
February 20th, Presidents Day
March 31st, Cesar Chavez
May 29th, Memorial Day
July 4th, Independence Day
September 4th, Labor Day
October 9th, Columbus Day
November 10th, Veterans Day
Observed November 23rd & 24th,  Thanksgiving
December 22nd,   Christmas Eve
Observance  December 25th, Christmas December 26th
December 29th, New Years Eve
Holiday Observances Closed County Recorder
Real Estate Transactions Can't Record in the following counties:
Alameda               
Alpine            
Amador               
Butte               
Calaveras
Colusa               
Contra Costa               
Del Norte               
El Dorado               
Fresno               
Glenn
Humboldt               
Imperial
Inyo
Kern        
Kings
Lake               
Lassen               
Los Angeles 
Madera       
Marin               
Mariposa               
Mendicino               
Merced               
Modoc
Mono
Monterey
Napa               
Nevada               
Orange               
Placer               
Plumas               
Riverside               

2017 California County Recorder Holidays

1/09/2017

FHA Bullish Reduces MIP .25

Bullish on FHA loans

HUD announcement today January 9, 2017 to reduce MIP
premiums. 

Borrowers who close FHA mortgages after January 27 will pay 25 basis points less for the mortgage insurance premium, the Department of Housing and Urban Development said.
MIP is insurance for the lender, not Borrowers

Congress set certain liquidity rules for FHA.
Today HUD says reserve ratio stood at 2.32% last year, the second year in a row to exceed the 2% threshold.
“After four straight years of growth and with sufficient reserves on hand to meet future claims, it’s time for FHA to pass along some modest savings to working families,” HUD Secretary Julian Castro .
Unfortunately with mortgage rates rising, and expected to take two more leaps this year I don't think this black steer is going to be running out to apply for a home loan. Getting the loan closed with all the Dodd Frank rules is the real obstacle to real estate economic growth, that and affordable housing.
What does .25 in MIP mean in payment savings monthly? Perhaps about $12 dollars per $100000. monthly savings. This might be the difference in getting someone's debt to income ratio within approval, or not.

1/04/2017

TransUnion Equifax OWE YOU Money

Santa Slaps the CREDIT COPS


A day after CFBP announced that TransUnion would have to pay  seventeen million dollars in fines for deceptive advertising, the CFPB announces: now Equifax, another credit reporting agency is also being crushed in the wallet. Richard Cordray is surely paying his own salary here. Not that anyone feels sorry for the credit cops who preyed upon American Consumers touting their services of credit reporting are accurate, fair and useful. Credit cops TransUnion Equifax and others charge huge fees to mortgage lenders and consumers for their mathematical models which are flawed.

It's easy for business to hate The Consumer Financial Protection Bureau (CFPB). It will be near to impossible for Trump to dismantle the strong arm, as they are funded by fining. CFBP is perhaps one of the most profitable entities in Washington D.C. EASIER NOW for consumers to realize the Credit Cops lied, and cheated consumers
TransUnion Equifax and (Experian not yet named) and their subsidiaries and affiliated- those pesky credit karma, free credit report crap that get your credit card and bill consumers until the cows come home. deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers. Credit cops lure consumers into costly recurring payments for credit-related products with lies, misrepresentation and fear. CFPB orders TransUnion and Equifax now advertise the true value of the credit scores they provide and the cost of obtaining those credit scores and other services. Line up for your eleven dollar check from TransUnion and Equifax. Credit cops must pay $17.6 million in restitution to consumers, and fines totaling $5.5 million to the CFPB.
“TransUnion and Equifax deceived consumers about the usefulness of the credit scores they marketed, and lured consumers into expensive recurring payments with false promises,” said CFPB Director Richard Cordray. “Credit scores are central to a consumer’s financial life and people deserve honest and accurate information about them.”
Chicago-based TransUnion and Atlanta-based Equifax  collect credit information, including a borrower's payment history, debts, maximum credit limits, creditors, and other elements of their credit relationships. Information is gathered but often incorrect, erroneous and mistaken. Bits of historical payment records are conglomerated into a giant rubber band ball of numbers. A consumer who tries to correct mis-information about a similar name (those who happen to be a Junior with same name as father) or those who have wrong information find it near to impossible to get right. Credit reports and scores tare provided to subsidiaries for employment checks, loans, and all kinds of "snoopdom". Through subsidiaries, TransUnion Interactive and Equifax Consumer Services, Credit cops advertise and sell credit products to consumers, such as credit scores, credit reports, and credit monitoring. 
TransUnion sells to consumers via VantageScore Solutions, LLC. The big lie is VantageScores are not used for credit decisions by mortgage lenders, car loans and credit card loans. Equifax sold scoring to consumers from Equifax’s own machine: Equifax Credit Score, which is an “educational” useless credit score that also is not used by anyone to make credit decisions.
Furthermore TransUnion and Equifax sold consumers monthly services to check your score or check your credit which are worthless numbers. Both lied to the public. These are violations of Dodd Frank and Consumer Financial Protection Acts. Both TransUnion and Equifax failed to get consumer written authorization to pull these reports millions of times
  •  EVER TRIED TO CANCEL THESE SERVICES? BOTH TransUnion and Equifax hide from consumers to avoid cancellation of monthly charges. They must stop billing recurring charges. They must now advertise and list their phone number, answer the phone and have online cancellation forms, mail to, fax to and submit on line available to cancel services. These credit cops are worse than Match.com and Eharmony for not allowing consumers to cancel and USING their own information to sell as product. It's a wonderful digital world.
TransUnion and Equifax owe you money TransUnion's phone call free and ask for your $100.00 1 (855) 681-3196

 text of the CFPB’s Order against TransUnion is here:http://files.consumerfinance.gov/f/documents/201701_cfpb_Transunion-consent-order.pdf 

Contact:  C G  Barbeau (949) 784-9699